I believe Big Brother Big Sister who has been working on their own to pay social insurance are very concerned about it ... seriously and see, "patiently and see" absolutely useful ..
First of all, we should realize that Social Security is more quality than commercial insurance a kind of insurance .. the reason is as follows:
(1) Social Security is a national not-for-profit national welfare undertaken the cause .. and commercial insurance is to profit in general commercial insurance fee than the same specifications of the society. Oh Insurance higher number
(2) social insurance coverage to some more .. commercial insurance generally only medical insurance or social insurance pension .. .. than the average commercial insurance generally five insurance risk and in the same time .. medical advantage of this one .. very prominent social insurance
(3) Insurance of social standards are constantly improving every year .. country every year in early July will be adjusted in accordance with the basic social security base wage workers .. and adjustment of the ratio is still high .. general increase of more than 10% a year .. that is higher the longer it paid too much to do so .. the biggest advantage is that we can eliminate the effects of inflation to a relatively small .. and even if commercial insurance .. but overall will be adjusted returns will not rise faster than the social security
word, there is no social insurance of the students have come forward to participate in the work of social insurance, commercial insurance has participated but did not participate in social security work has also asked the students speed participate in social insurance .....
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, then, is how specific social security constitute it ...?
social insurance = + pension + medical insurance + unemployment insurance, industrial injury insurance and maternity insurance + housing fund +
(Note: The above insurance policy may be different in each practice area, your unit may not be the perfect insurance policy for you all pay, such as Nanjing, some units do not pay health insurance to employees or pay only the remaining four insurance payments, some units do not pay provident fund to pay only five insurance, so you have to figure out your units in the end to what you pay and whether to pay the insurance fund)!
specific configuration for the proportion of social security:
pension insurance: every unit you pay 21% for the month, you pay 8%;
health insurance: unit per month for you to pay 9%, you pay 2% plus 10 dollars a serious co-ordination (catastrophic major piece of pipe hospitalization);
unemployment insurance : unit 2 percent for each month you pay, you pay 1%;
injury insurance: you pay each month units of 0.5%, you do not get their own dime;
maternity insurance: you pay 0.8 units per month %, you do not get their own dime;
housing fund: unit 8 percent for each month you pay, you pay 8%
more units per month .. .. doing so is to pay your social security ratio should be 21 % + 2% + 9% + 0.5% + 0.8% + 41.3% = 8%
your social security for each month to pay your ratio should be 8% + 10 + 2% + 1% + 8% + 10% = 19
temporarily remove your money aside .. post 10 and the proportion of units shall be paid your 413: 190 .. This means that if you each month to pay for their social security money .. then 190 units will be 413 dollars to break into your social security account .. monthly increase in your Social Security account money should be 413 + 190 = 603 money, so that in case you can not see the unit pay the cost of Social Security is in fact your 2 times more, so when your monthly pay social security fees do not feel bad ah ~ you want to know more than you pay unit much of it is actually .. distressed units ...!
Ya Ya ~ back saying that three risk a gold and a perfect insurance policy, where we should have seen, in fact, said on rivers and lakes full insurance fully equivalent to five insurance payments .. is just full insurance from the insurance (+ pension + medical + unemployment fund) .. for the insurance policy from the insurance (pension + medical + unemployment + injury + + maternity fund) of your unit to pay for your own personal post of ... the full insurance say that insurance policy is really just saying that to sound good it ~
in addition the unit can pay social security for you, in fact, did not work but have income students or have units, but units do not pay social security students can pay their own social security, but individual can only pay pension + medical insurance,
industrial injury fertility ah ah ah unemployment fund, yeah you do not personally have to pay up ...
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above introduces the structure and composition of the proportion of social security, following this introduction What is the social insurance contribution base
just students already know the proportion of social security unit to pay each month and you pay about the same proportion is 413: 190 up ... then and now Out of a question:? His monthly pay social security fees and this ratio has anything to do with it, social security costs in the end is how to determine it
we may not have noticed, all provinces and cities will publish a "minimum social insurance paid each year in early July base ", this base is based on a hodgepodge of fees average salary + benefits + subsidies last year workers, etc. through after statistics and calculations to determine the minimum base in Nanjing in July this year announced that 1189 yuan, which is what this means, This means that as long as the Nanjing regular units to pay social security for workers, the monthly pay for each employee money a minimum of 1189 × 41.3% = 491 yuan, while the workers have to pay a monthly minimum of 1189 × 19% + 10 = 236 yuan, and units every month so you should pay social security charges came out
But now a new problem ... out wage differences Nanjing workers Yeah .. it was a great month to get 1000 .. someone could get 10,000 a month .. Is called to take the 1000 and 10000 have to pay to get the same social security charges?
Note .. this is the minimum base .. 1189 over 1189 as well as the highest base .. Nanjing highest base this year seems to be more than 8,000 specific .. I also forgot .. anyway, if your monthly salary in 1189 yuan .. units must be in accordance with the 1189 dollars you pay 1189 × 41.3% = 491 yuan, and you have to pay a monthly minimum of 1189 × 19% + 10 = 236 yuan, 1189 as this is the minimum base pay social security where the significance of the: even if you get 1000 a month, or 800, you must also pay the minimum each month in accordance with this 1189!
but if you pay higher than 1189, such as a month you get 3000, then went into labor units Bureau give you time to pay insurance (your unit and you pay social security costs are labor bureau buckle oh) should say to the Bureau of labor: "Ya Ya, here we have a month to get comrades 3000, follow 3000 dollar standard deduction of social security fees ".. then the labor bureau will pay to 3000 as a base to buckle your Bit and then hit your money on your Social Security account, you should unit this month when you pay 3000 × 41.3% = 1239 yuan, and your personal monthly pay in respect of 3000 × 19% + 10 = 580 yuan
means that if your salary in 1189 yuan, according to 1189 then a month you pay; if you pay more than 1,189 yuan a month then you pay according to your actual wage, unless you pay more than the highest base even higher, if you get 10,000 a month while the maximum base is 8000, you and your units will have to pay in accordance with the 8000
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Here to expose some of the company's shameless practice .. These companies may give a monthly salary of thousands of Hello .. but when they go to the Bureau of Labor to declare your base and real wages will not follow your example to report .. If you get 3000 a month .. they went to the Bureau of labor may say that you take only 1189 .. then each month the Bureau of labor only deduct your 1189 × 19% + 10 = 236 Yuan .. you probably still very happy. because you think you deduct less money .. you actually get our hands on more money?
Wrong! If this is your company too outrageous! Because the company paid the money you more than twice .. So, the less you pay, the less you pay them too! If you follow your 3000 real wages to count them .. this month you pay to 3000 × 41.3% = 1239 yuan social security charges .. and in accordance with the 1189 to count the words, they pay every month just for you 1189 × 41.3% = 491 yuan! so you actually suffer heavy losses ! regular company will only follow your real wages to the Bureau of labor declared then deducting money! only the testimony of the company will pay you no matter how high you have to pay in accordance with the minimum standards !! do not think that your monthly deduction of social security charges as little as possible !! you might shamelessly company has been bullied and you knew nothing !!!
to determine the unit's base pay for you in the end is how much is simple: if your monthly deduction 300 social security .. that your base is almost 300 ÷ 19% ≈1578 yuan, you look at your salary is not this number .. if you pay significantly higher than the 1578 .. For example, each month you actually get 3000 or 4000 .. you sure you've been to the company after being bullied bullied .. you can go to the local labor monitoring group to sue you single .. a general report a quasi .. but the best at the time of departure of the evidence (such as pay slips, etc.) and then find a good report, or you sue the company in general after having failed
to once again be noted that each .. the proportions of local social security is not the same .. if you were not you in Nanjing contribution rate of 19% is probably not a big change .. .. but certainly not such as your base is probably 20% or 22% .. but definitely not would be 30% or 40%! so while 19% is the proportion of Nanjing .. but foreign students can probably rely on this calculated their base
Well, now you know how much you should pay monthly social security charges, but these social security charges what the specific circumstances and how to use it? Here we introduce
as already said, the social insurance pension + medical insurance = industrial injury insurance and maternity insurance + + + + housing fund unemployment insurance
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(1) pension
the insured are generally required to pay at least 15 years after the retirement pension when they could enjoy life .. so be sure to want to take a pension before the students in their own retirement 15 years ago I began to pay .. this is almost the same way other than as specified in Nanjing
If you pay old-age insurance to retirement age less than 15 years, then wait until you retire 8% of the country will keep you on the personal pension account all back to you that you ask your unit to post 21% gone?
after this you can not expect the country will be handed to you .. you put your retirement money individual countries put the unit away .. 21% of all the money you pay to the pension plan in the country's overall fund, from which money And you are no longer a relationship
, you might say: I rely That's why I do not give me the money!
Because the state is so prescribed, when the refund back only to individuals to pay money to his own personal deduction, the unit is he pay the money all contribute to the country the
next time we take a look at your retirement pension is how come
The algorithm is very complicated .. pension because the state will change the base pay once a year .. good example:... If you are 30 years old your current base pay 3,000 yuan .. And if the retirement age is 55 years old if .. then you have to start before the age of 40 you pay the old-age insurance, and if you start from the age of 30 pay now, 55-year-old was handed 25 years .. first of all that you can be sure to enjoy the pension .. Second If you pay after 25 years of contribution base 3000 has become 6000 (I am talking about if) .. 55 years old when you first can get 6000 × 20% = 1200 per month base State pension .. this is for you, in addition to the money on your personal account in 25 years, also accumulated a lot, the average base pay look good, (3000 + 6000) ÷ 2 = 4500, so that you 25 years there should be 4500 × 8% (proportion of individuals to pay your pension insurance) on a personal account in × 12 × 25 months = 108 000 dollars .. so in addition to the previous month, you can get 1200 108000 ÷ 120 = 900 pieces, so you start 55-year-old can get at least a month 1200 + 900 = 2100 yuan pension .. of course, the country is still the base year to Up, so every year in addition to your own 900 every month after retirement .. you get more money than 1200, of course, that your pension will be more and more
so that the more cross-pension post and more, the better .. the more you pay the more you enjoy retirement .. but .. the country annually adjusted basis after you get the money will be more and more .. now pay 1,000 years after 1500 are to take possible
here to introduce a policy .. ** is your retirement no matter where you pay social security charges, etc. .. you can only go back to your account the location to enjoy the local retirement benefits ... so look at base high places but low pay social security retirement back to base where people enjoy pensions would be a big loss, why do you say?
Let me give an example, if you are a young man in Nanjing, pay social security for 20 years and then retired, but if your account in Heilongjiang, you must return a pension Heilongjiang. If you pay in Nanjing 20 years the average base is 3000 (if I say that), and when you retire Heilongjiang base pay only 1000 (I am talking about if), then you can enjoy the retirement benefits 1000! this is the very loss of ! in short, if you pay social security in rich place, but when they retire back to the poor place to enjoy social security, you pay a lot of life, but very few enjoy! post 3000 may only be able to enjoy the 1000! this is a terrible thing, but no way, the state is this policy, so please all current accounts but note that in high such as Beijing or Shanghai base of local work pay social security of students in the low base of local and western, and you or to pay social security in the west, either in before the retirement account moved to Beijing or Shanghai, or else you do in life is the sum of this huge loss of business
that you might say, if my account in Nanjing, then I pay in 20 years does not like Heilongjiang Well, in base low Local pay, retirement base high-back place to enjoy high welfare. Wrong! Do you think the Nanjing Bureau of Labor would casually let you enjoy it?! Nanjing general this case you will find a reason to refuse directly into ! by the time you're a clever wisdom wrong: can not enjoy in Heilongjiang, in Nanjing also enjoy not!
but some places had some easing of the provisions of this situation, such as Nanjing allows you to five years before retiring from a low base place back to Nanjing, Nanjing five years to continue to pay high base in Nanjing, after which only allows you to enjoy the pension back to Nanjing. this policy is not the same everywhere estimate, intend to turn the future of the students now go to your local best Bureau of labor this issue clear, lest your retirement occurs when an unexpected accident!
(2) medical insurance
policy in this country fairly good insurance, it is important to a lot of hospital reimbursement
Before you say that the units per month to pay health insurance is 9%, you pay a monthly personal medical insurance is about 2% plus 10 dollars a serious co-ordination, the other serious co-ordination Whether you just hospitalized, and that 11% in the country every month to your Medicare account belongs to hit 2% of your own, if your monthly minimum base pay social security according to 1189 yuan, then the 1189 × 2% = 23.78 dollar has national monthly call you personal money, this money you can build up direct credit card to buy medicine or outpatient services, and the remaining 9% of the country and take it to count in the medical pool fund
in accordance with the provisions of Nanjing, if you start from January 2007 to pay medical insurance, and then from February 2007 to buy medicine or you can swipe to see the outpatient cost from July 2007 you will be reimbursed the hospital, reported quite complex, a good example:
if you 2007 on August 1 the hospital, lived in Nanjing, the best three hospitals, drugs are used during hospitalization, surgery plus hospitalization expenses within the scope of Medicare spent a total of 5,000 yuan, then reimbursed when the first medical center net of 1000, which is the starting price, the rest of the 4000 Medicare reimbursement center 400 0 × 86% = 3440 dollars, you just have to pay personal 4000 × 14% = 560 yuan on, with prices starting at 1,000 yuan before, you spent 5000 as long as their pay 1560 yuan on it, and this 1560 yuan also can deduct from your Medicare card (if you usually do not use that card), so in fact you can not spend much money the hospital
medical insurance for our young people more important than the old-age insurance, medical care in hospital after he too mom expensive, and this is the most important social insurance where the meaning of the provisions of Nanjing, but health insurance must pay at least 25 years to enjoy life after retirement, so if you retire at age 55, that since the beginning no later than age 30 must pay the health insurance
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(3) work injury insurance
The insurance practice is generally used less, not much contact me, need to remind you that when you are at work or if commuting out what had happened, the lingua franca of the risk, but a lot of people in practice trouble not pay attention to the preservation of evidence, led to his not enjoy the work injury insurance, which is a great pity
if you arrive when they were hit by a car, then you should hurry up alarm, let the police investigation records and photographs collected evidence, police processed later will give you what you open a book to identify what accident like, you can take this to the requests for work-related injuries reported .. trouble if you just let it run and do not look for what the witness is not an alarm, that under no evidence to the general will not be adopted as an industrial injury
injury there is a statute of limitations, if you July 1, 2007 sunrise the injury, then you must immediately report the unit, the police issued identification evidence and the accident book and you after an injury to the doctor or hospital medical records to the unit, called the unit holding these materials do injury identification, your unit must be before August 1, 2007 put your effective material injury to the testing center, if the distance Your days of work-related injuries more than a month, and that injury could not identify it up. If you do not give your identification unit, then you can hold your own material to the identification center identification, it is best not to exceed one month, otherwise it will a lot of trouble a lot of trouble
(4) maternity insurance
ah, this is also illustrated well, if you are a girl, monthly salary of 1,000 yuan, January 1, 2007 began to pay maternity insurance, base pay is 1189, and you March 2007 pregnancy, end of December 2007 birth of a child, was discharged in January 2008, then later you want to quickly discharge the marriage certificate (unmarried mother can not be reimbursed) + one-child certificate (generally not reimbursed Health 2 tires ) + medical + card check all invoices build size and cost of hospitalization and surgery + + hospital discharge summary list of all the materials submitted to these companies, if you are pregnant, they can check it took 500, the time children spent in hospital surgery + 2000 block, in general, a company can give you basically all Medicare reimbursed within a predetermined range, to be reimbursed later your money comprising: inspection fees 500 +2000 +1189 block surgery hospital / month × 4 months = 7256 ,
1189 yuan / month × 4 months this is the Medicare reimbursement center specifically for girls subsidies, only girls can get reimbursement to
the state when the girls maternity insurance reimbursement must give four months of the average wage, so you have children reimbursement then not only do not spend money but also earn four months' wages! If you base pay higher wages than, for example, take post 1000 is 1189, then you have earned it
the maternity insurance to pay at least a year to enjoy, remember Remember that
in addition to questions, the boys also pay maternity insurance ah ~ so the boys can you enjoy maternity insurance do?
If you're a boy, your wife did not work or work units did not pay the insurance, and when she gave birth to a child you have to pay maternity insurance more than a year, then you can be reimbursed maternity insurance Oh, but in the previous example, for example, you can only be reimbursed 500 inspection fee +2000 block half of hospital surgery = 1250 yuan subsidy of 1189 yuan / month × 4 months of wages you will not enjoy it! this is only reimbursed when girls can enjoy the oh
the same cost, the girls will be able to get reimbursement of 7256, the boys reimbursement can only take 1250, which is probably rare in China "Discrimination against men," said the policy
so that the girls want to look the best plan before birth, a year ahead of the start to find a unit to pay maternity insurance, you can make it! And if the boys marry a wife, to marry the best of a children when a year had to pay maternity insurance and pay a higher base salary than her own girls Oh! but if she is real
in the insurance did not matter, you can also give her maternity insurance reimbursement it, but you do not have subsidies for 4 months take wages, and the cost of the newspaper you can only get back half
(5) unemployment insurance
that also want you to pay at least a year to enjoy, generally pay a year to take two months, pay 2 years get 4 months, but up to a lifetime take 24 months to illustrate better:
If you begin to pay the insurance, 2007 January 1, January 2008, you have been dismissed by the company, then you can allow the company to get you 2 months of unemployment insurance, if you are in a base year of 1189 post insurance, then you can get at least two months more than 800 dollars ... or you January 1, 2007 began to pay insurance, in January 2008 and the company you contract expires, and you do not want to renew the contract if you but also allows the company to leave the company before you get two months of unemployment insurance, but also more than 800 pieces ... That contract expires or the company laid off, you can get two months of unemployment benefits in accordance with the proportion of the year to require the company to do you do if the company does not give you do you can go tell it, a report, a quasi
but if you are a contract did not expire resign yourself go, that even if you pay at least a year are not entitled to unemployment insurance
as long as is his resignation, let alone pay for 1 year, that is 10 years to pay unemployment insurance to resign when you can not get a penny
(6) fund
ah ah, housing fund is a good thing ah ~
well, if you pay 200 a month for the fund, then the company is also a month to your account to play 200, you buy a house When this is 400, and if you pay 50,000 for a lifetime, that is, 100,000 on account of you, we must not reject such a good thing ah ~
fund can be used to buy a house, loan, decoration or something, if you family can find land to build a house, build a house that can pay the money if you do not have the money from this fund, and finally seems to be able to retire when all the money come out
Reproduced in: https: //www.cnblogs.com/200831856/archive/2009/09/25/Company_Five-risk-a-gold.html